PScashback Black VisaCard®

Earn up to 5% cashback when you spend in-store or online at retail partners

Exclusive benefit to NHS staff

It's not a credit card. No credit checks.

You can also get money off your bill at local retailers too

How much cashback can i earn?

What do cardholders say?

Since using the Staff Discounts Portal black card I have been able to get back over £200 in the last year alone. A great way in these difficult financial times to make your money go further.Ali - Berkshire

I saved £150 on my shopping at B&Q. The card is simple and easy to use and there is always someone to help via the hotline or email.Anne - surrey

The cashback earnt is a real bonus - I have always shopped at Sainsburys but now I get a pleasant surprise everytime I top up my card - this is in addition to the usual Sainsbury Reward card points.By paying with my Black Card I have received £131 cashback so far this year on routine purchases.Alison - Somerset

It gives me better control of my budgeting for the month. If there is not enough money on the card, you cannot go overdrawn.It is for Staff Discounts Portal staff and their family which makes it a perk of the job.Jayne - Colchester

I use my card mainly at Argos and Sainsbury for my weekly shop although I have used it quite often at M&S and Boots as well. Every time I use it I think about how the few pence I save has soon mounted up to over £100.I'm pleased about the monthly standing order to top the card up, saves any bother.Sue - Nottingham

You need to be logged-in to apply for our Black Card. Sign-up or Login

You can use it online or in-store worldwide where the VisaCard® Acceptance Mark is displayed

Earn up to 5% cashback when spending online or in-store at retail partners

No min or max spend to earn cashback

Top ups can be as little as £25 or as much as £1,000

Cashback is added to your Black Card account when you next top up

The Money Saving Card logo will get money off your bill at local retailers too

Eligibility

You need to be a UK resident

you need to work for the NHS

Verification

We need to verify that you are currently working for the NHS

You will need a valid NHS email address. If you supply us with one of these email ids during your card application, we will send you an email with a verification link, which you need to click on to proceed with your application.

(OR)

Verification is only required for the primary card holder. You can apply for a partner card without any further verification. Your partner card holder does not need to work for the NHS.

Local Discounts - Save at Over 4,500 Locations, Nationwide!

With the Black Card, you will receive discounts on taxis, restaurants, bars, nightclubs, shops, health, hair and beauty, gyms and more.

You can either add this when you register or alternatively, you can order one via your online account after registration

One shared account balance. Two cards.

Cashback is credited to the account as and when the main cardholder tops up

Additional card fees apply

Cost of getting a card

If you use a discount code you can get the card at the cost price of £2.99 (including p&p). Each card will be valid for 2 years. Discount codes are supplied by participating NHS Trusts to their staff. To obtain a discount code, please contact your trust HR department. If they do not have a discount code set up, they will need to contact pscashback@p-mm.co.uk.

If you can't get a discount code, you can still purchase the card for £9.99

Topping-up the card

Standard top up takes 4 working days and is free if over £200. If under, a 40p admin fee applies

Same day top up is instant and can be processed with a £2.50 fee

To make the top-ups easy and free, we would recommend setting up a regular payment from your debit card or a standing order. This can be done after you receive the card within your online account

Get your Black Card

If you have a trust discount code, you can get it at a cost price of £2.99 (including p&p)

You will receive the card in approximately 14 days from application. Please note that this time frame also applies to reissues for lost, stolen or expired cards. If you haven't received your card within the 14 days, please contact Customer Services.

Where can I use my card?

You may use the Card at any Merchant that displays the Visa Mark, excluding limited acceptance Merchants in EU/EEA that do not accept prepaid cards.

Are there any restrictions on where I can use my card?

There are a few card restrictions such as gambling and adult websites - please see the Terms and Conditions for more information.

How do I activate my card?

You will need to follow the instructions on the card carrier to be able to activate it. Should you experience any issues, please contact the hotline as detailed on your card carrier and the contact us area on the website.

Can I use it for shopping online?

Yes Visa is accepted at most online shopping sites.

Can I spend more than the funds on my card?

No, the payment will be rejected if you have insufficient money on your card to pay for the goods.

Will there be a credit check?

No, there are no credit checks. We may use personal information provided by you in order to conduct appropriate anti fraud checks. Personal Information that you provide may be disclosed to a credit reference or fraud prevention agency, which may keep a record of that information.

I have been issued with a restricted card, what does this mean?

At the point of registration we perform an anti fraudulent check, which verifies your personal information against the electoral roll, telephone directory, credit lists/active lenders, directors listing, CCJ's and mortality databases. Unfortunately if your details do not match one of these during the validation process you may be issued with a restricted card. This means you can spend up to £1,600 a year of which £600 can be spent on a single purchase. You also can have a balance of up to £600 at any one time.

How can I upgrade my restricted card?

All you need to do is prove where you live by posting the documentation from the list in your registration email confirming your current address to Card Services, Avalon House, Breckland, Linford Wood, Milton Keynes, MK14 6LD. Please note you will be charged £5 to upgrade your card.

What happens if I lose my card or it is stolen?

You must notify us immediately if your card is lost or stolen. Please call the hotline as detailed in the contact us area on the website and press option 3 for 'lost and stolen'. You should treat this card as cash in your wallet. Please note that if you have lost your card a replacement card fee will apply. For further details please refer to the fees table in the terms and conditions.

What happens if I forget my PIN number?

Please request a PIN reminder through the details tab on your online account or call the hotline as detailed in the contact us area on the website and select option 4 for 'forgotten PIN'.

Can I use my card abroad?

Yes, you can use your card anywhere that Visa prepaid cards are accepted, however a 2.5% foreign exchange fee will apply.

Can I get my balance when I am out shopping?

Our website is mobile responsive, allowing you to log on and check your balance quickly and easily.

What happens if my goods turn up faulty?

Under this prepaid card, your purchases are not covered in the event they suffer from breach of contract or misrepresentation of goods. This does not affect your consumer rights.

What do I do if I have a complaint?

Complaints regarding any element of the service provided by us should be sent in writing or by email to our Customer Service team. All complaints will be subject to our complaints procedure. We will provide you with a copy of our complaints procedure upon request and, if we receive a complaint from you, a copy of our complaints procedure will automatically be sent to you. If we fail to resolve your complaint to your satisfaction you may refer your complaint to an independent ombudsman by sending a request to Ombudsfin - North Gate II, Boulevard du Roi Albert II 8, bte 2 1000 Brussels, BELGIUM, or via e-mail to ombudsman@ombudsfin.be or phone Tel: +32 2 545 77 70. The following website explains the new complaints process: http://www.ombudsfin.be/en/individuals/introduce-complaint/

My card was declined, what could the problem be?

Have you:-

Got sufficient funds on the card to cover the purchase?

Activated the card?

Used the correct PIN?

Are you trying to withdraw cash? (this service is not available)

My card expires shortly when will I receive my replacement card?

If you are eligible and renewed your membership, your new card will be delivered to you before your old card is due to expire. Please ensure that you keep your contact details up to date as the new card will be sent to your home address.

How do I earn cashback?

After receiving, activating and topping up your card with funds you will be able to start spending online or in-store at our retail partners to accumulate cashback savings. Our retail partners offer you specific savings when you use your card with them. You can view those savings on your online account. When you next top up anything you have earned previously is automatically credited to your account. It usually takes about 5 - 7 days for your purchases to be processed so please don't worry if not all of your savings appear immediately after you have spent. Sainsbury's is the only exception to this due to their process for calculating savings, meaning the credit can take 3 - 4 weeks to process. Where possible, we will always credit your account as soon as we are advised of the savings to be awarded.

How do I see what I have saved?

You can monitor your monthly and yearly savings on your online account. Each time you top up, any savings you have earned will be added to your card's balance.

Will I get cashback if I spend overseas?

No, unfortunately you only qualify for cashback at UK stores.

Will I earn savings on petrol?

No. You also do not earn savings on non-petrol items purchased at petrol stations.

Will the retailer partners where I earn cash back or the cash back rates change?

Occasionally we change cashback rates and offer special short term offers which are advertised on the website. With regards to retailers, they may occasionally change, however we always aim to offer a comprehensive range of outlets where you can earn savings.

Do I get cashback on everything at retail partners?

Some retailers also have exclusions - a full list can be found on the website under Retailer Exclusions. If you are buying goods online, then please check that the transaction is being made with our retail partners rather than a 3rd party supplier. For instance, large white goods are often supplied by a retailer who is not included in our cashback scheme, e.g. on the Debenhams Plus website it states 'When you purchase from Debenhams Plus, Buy it Direct will process the payment and deliver your order within the timescales provided'.

What happens to my cashback if I am no longer eligible?

Cashback that this card offers will only be paid whist you are eligible and therefore will be lost if you become un-eligible for the programme.

Will I still receive loyalty points, i.e Nectar, Advantage?

Yes, all other retailer loyalty schemes and offers can be used alongside your card for Cashback.

How do I order an additional card?

Should you require an additional card for your account, you can register one additional cardholder on the 'Get additional card' tab on the website. Please note that this person needs to be living at the same address and charges for this service may vary.

How do the additional cards work?

You'll both use the same pot of money and any cashback that your additional card earns will be added to your account when the account is next topped up.

How do I load additional funds on to my card?

You can do this online, as an instant top-up from a debit card. There is no charge to top ups over £200, however there will be a charge of 40p per top up of £200 or under. There is also the option to set up a monthly direct debit load on a monthly date of your choice via the website.

My top up payment has failed, what would the problem be?

Have you:-

recently changed address? If so please update this on your online account or send an email to us to amend on your behalf.

registered with 3D secure or verfied by Visa? If not please speak to your bank.

For monthly top ups please ensure that the debit card registered is still correct and has not expired. To update these details please visit the top up tab and select the monthly top up option.

My top up payment has failed and the funds have been reserved from my bank?

If the funds have been reserved by your bank and your payment has failed, this should automatically be released back into your account within 3 to 5 working days depending on your bank. If you require the funds to be released sooner, we can arrange a fax to be sent to your bank. Please contact your bank to confirm they will accept this and the details for the fax. Once you have this information contact our customer services team and we will arrange this on your behalf.

What is the renewal process?

Every two years you will receive a renewal email, you do not need to do anything if you wish to continue with the programme, the renewal fee will be automatically deducted from your balance when available unless we are informed otherwise.

What if I renew after my renewal date?

If you renew after your renewal date, your next renewal date will remain the same. For example if you were due to renew on 01/01/2018, but did not renew until 02/02/2018 your card will still be due to be renewed on 01/01/2020.

What is a dormancy fee?

There will be a dormancy fee of £5 per month for accounts over two years that have been inactive for 12 months. Inactive accounts are determined by no top ups or spending.

What is a expiry fee?

Once your card has expired and has not been requested to be reissued, there will be a £5 expiry fee that will be debited from your available balance.

All Rights Reserved.Staff Discounts Portal is a staff discounts portal for NHS Staff and their families. This website is owned and operated by V A C Media Ltd, UK's largest operator of loyalty portals. We are an independent discount provider and are not affiliated with the NHS or the Department of Health. Registered under The Data Protection Act 1998.